Mr. Chair, the minister is touting a voluntary code that is actually toothless and has done nothing, because we just heard him admit that the rates are still going up.
I would like to hear from the minister why it is that they continue to do a lot of talking about protecting small businesses and making sure that they are going to do something about merchant fees but have refused to act, except to put in a voluntary code that the small business communities across the country are still saying is toothless, does nothing to protect them, and is costing them $4.2 billion a year. I would like to hear the minister's response to that.